How Cities in Rhode Island Ranked Based on Car Insurance Costs

Though the smallest state in the union, Rhode Island is still full of diverse towns and cities that each come with their own price for auto insurance. In this study of the Ocean State, we looked at 27 cities and towns and determined which were the most expensive and least expensive for car insurance. Using a profile driver, we found the state average to be $1,751 with Providence being the most expensive and Newport the least expensive. 

Table of Contents 

Least Expensive

The least expensive cities for auto insurance in Rhode Island are all within a 90 minute drive of each other in the state's Narragansett Bay area. The list mostly consists of small towns and small cities, the largest being Narragansett with 35,000 people. They were anywhere from 18% to 13% less expensive than the state average. 

Graph showing how the top five least expensive cities in Rhode Island for auto insurance stack up


Newport is a seaside city on Aquidneck Island in Newport County, and the least expensive place in our study. The major 18th century port city is a throwback to the colonial era. Nowadays it is a popular New England summer resort and home to nearly 25,000 people. Our sample driver was quoted $1,442 per year. 


Jamestown is another entrant from Newport County, and the second least expensive spot for insurance in Rhode Island. The town of just 5,000 takes up almost the entire area of Conanicut Island, the second largest island in Narragansett Bay. Our profile driver received yearly premiums of $1,462, about 1.3% more expensive than Newport and 16% cheaper than the state average. 


Tiverton continues the trend of Newport County being the least expensive spot in Rhode Island. The small town of 7,000 welcomes tourists all year long as it is a popular destination for windsurfing, fishing, nature walks, and wildlife observation. Our driver had a yearly average premium of $1,498. 


Unsurprisingly, Portsmouth is another town from Newport County, and the fourth least expensive place in our analysis. Like Newport, Portsmouth is located on Aquidneck island, where 60% of the town's boundaries is water. Our driver from the island town of 18,000 recieved a yearly quote of $1,515, about 5% more expensive than nearby Newport. 


Naragansett is the only town not from Newport county among the least expensive cities. The town which sits on its eponymous Bay has about 15,000 yearlong residents but sees a boom up nearly 35,000 during the summer. Our driver was quoted $1,527 per year. 

Most Expensive Cities 

The most expensive cities are also in close proximity to each other--all coming from Providence county in the state's upland New England region. They range from medium sized cities to large cities which all hover around the state capital at Providence. Prices range from 18% to 43% more expensive than the state average. 

Graph showing how the top five most expensive cities in Rhode Island for auto insurance stack up


Providence is the capital of Rhode Island and by far the most expensive place for car insurance in the state. One of the country's oldest cities, it currently has 170,000 residents and is known for its universities and arts. Our driver from New England's third largest ciy was quoted $2,506, about 74% more expensive than Newport. 

North Providence

North Providence, only a stone's throw away from Providence, is the second most expensive place in our study. Our driver from the historic city of about 30,000 was quoted $2,338 per year. 


Cranston, once known as Pawtuxet, is the third largest  and the third most expensive city in the state. The city of 80,000 residents was ranked among the top 25 safest cities of the country and one of the ‘100 Best Places to Live’ in the U.S. Our driver was quoted $2,172 a year, about 24% more expensive than the state average. 


Pawtucket is the fourth largest city and fourth most expensive in the state. Our driver from the industrial city of 70,000 received an average quote of $2,083 per year. 

Central Falls

Central Falls is the fifth most expensive spot on our list. Though home to about 20,000 citizens the city is only 1.29 square miles, most likely contributing to its relatively expensive car insurance. Our driver was quoted a yearly average premium of $2,069, about 18% more expensive than the state average.  

How Cost Differs By Place In Rhode Island

In this study we analyzed 27 cities and towns across Rhode Island and found a statewide average of $1,751 per year--based on our sample driver. The least expensive cities mostly consisted of small to medium sized cities in the state's Bay Area while the more expensive places hovered around Providence in the New England upland area. 

RankCityAverage Percent Difference From Average 
1 Newport $1,442 -18%
2 Jamestown $1,462 -16%
3 Tiverton $1,498 -14%
4 Portsmouth $1,515 -13%
5 Narragansett $1,527 -13%
6 South Kingstown $1,527 -13%
7 Westerly $1,531 -13%
8 Kingston $1,557 -11%
9 Bristol $1,601 -9%
10 Warren $1,630 -7%
11 Pascoag $1,635 -7%
12 North Kingstown $1,642 -6%
13 Woonsocket $1,653 -6%
14 Barrington $1,671 -5%
15 Cumberland $1,701 -3%
16 Cumberland Hill $1,701 -3%
17 East Greenwich $1,706 -3%
18 Coventry $1,719 -2%
Average  $1,751 0%
19 Greenville $1,778 2%
20 West Warwick $1,831 5%
21 East Providence $1,877 7%
22 Warwick $1,901 9%
23 Central Falls $2,069 18%
24 Pawtucket $2,083 19%
25 Cranston $2,172 24%
26 North Providence $2,338 34%
27 Providence $2,506 43%

How We Conducted This Study

We collected quotes from a variety of insurance companies across 27 towns and cities in Rhode Island. Our driver was a 30 year old male who drove a 2011 Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. Below you can see the state required limits as well as the coverage used in our study.

Coverage TypeRhode Island MinimumStudy Limits 
Bodily Liability  $25,000 per person / $50,000 per accident   $50,000 per person/ $100,000 per accident
Property Damage  $25,000 per accident  $50,000 per accident 
Uninsured/Underinsured Motorist BI None $50,000 per person/ $100,000 per accident 
Uninsured/Underinsured Motorist Property 
$50,000 per accident 
Personal Injury Protection (PIP) None None
Comprehensive & Collision None  $500 Deductible 

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